Mastercard Incorporated (MA)

NYSE: MA · USD

$611

+0.67 (+0.1%)· Recorded snapshot

Английский по умолчаниюRU

Показываем английский источник, пока идёт перевод

Этот отчёт ещё не переведён. Обновите страницу через несколько минут, когда очередь переводов его обработает.

StockMarketAgent Research · Analyzed 2026-09-08

Our latest published analysis: MA rated Hold

Mastercard Incorporated's published Hold conclusion compares the analysis-date price with fair value and potential value. Read the full report for assumptions, evidence, and material risks.

Fair value

$622 / share

Potential value

$782 / share

Upside to FV

+7.3%

from $611

Moat

6/10

Narrow

Read full analysis →View archive · 24mo

9-phase methodology · same model in each published edition

Market cap	$507.4B
Revenue (ttm)	35.1B
Net income (ttm)	16.3B
EPS (ttm)	$18.2
Shares out	876M
P/E (trailing)	33.6x
P/E (forward)	25.3x
Dividend	$3.48 (0.57%)
Volume	2,618,911
Beta	0.76

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 35.1B
Net income (ttm): 16.3B
EPS (ttm): $18.2
P/E (trailing): 33.6x
P/E (forward): 25.3x
Market cap: $507.4B

Item	P1	P2	P3	P4	P5	Trend
Period	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31	Trend
Revenue	$18.88B	$22.24B	$25.10B	$28.17B	$32.79B	+14.8%
Gross profit	$18.88B	$22.24B	$25.10B	$28.17B	$32.79B	+14.8%
Operating income	$10.74B	$12.20B	$14.21B	$15.90B	$19.30B	+15.8%
Net income	$8.69B	$9.93B	$11.20B	$12.87B	$14.97B	+14.6%
EPS (diluted)	$8.41	$10.65	$12.26	$14.61	$17.02	+19.3%
EBITDA	$11.46B	$12.95B	$15.01B	$16.80B	$20.44B	+15.6%
R&D	—	—	—	—	—	—
SG&A	$7.04B	$7.98B	$8.84B	$10.13B	$11.21B	+12.3%

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AAPL	Apple Inc.	5T	39.4x	10.8x	101.6%	+6.1%	+28.5%	Продавать
ABNB	Airbnb, Inc.	97.8B	37.5x	7.4x	16.8%	+24.4%	+28.5%	Продавать
ADBE	Adobe Inc.	97.1B	13.9x	3.7x	57.2%	+11.5%	-30.7%	Активно покупать
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Base and Bull scenarios

Base60%

Price target

$621.75

+7.3% from spot

The base path assumes annual forecasts remain firm and operating margin stays at or above its accepted floor. It weakens if FY2027 diluted shares exceed 906 million or FY2028 international growth falls below its accepted floor.

The upward FY2026 and FY2027 annual forecasts remain intact.
Operating margins remain near the FY2025 level.
Net repurchases continue reducing diluted shares.

Bull20%

Price target

$782.35

+35.1% from spot

Upside persists if international growth stays above its accepted FY2028 floor and services outgrows Payment Network through FY2028. Falling services growth relative to the network would disconfirm this path.

Services outgrows Payment Network through FY2028.
International Markets revenue growth remains above 6% in FY2028.
Low physical investment continues supporting distributions.

Sensitivity: Ke × terminal growth

The highlighted cell is Fair value when every assumption sits at its base level ($621.75). Each row and column shows what Fair value becomes when one assumption moves.

Ke ↓ / g →	2.6%	3.1%	3.6%	4.1%	4.6%
6.2%	$785	$850	$943	$1,086	$1,337
7.2%	$657	$691	$735	$795	$879
8.2%	$573	$593	$622	$649	$689
9.2%	$512	$525	$541	$559	$582
10.2%	$467	$476	$486	$498	$512

Scorecard

Published factor rows and weighted composite

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E25.3

P25 n/aP50 n/aP75 n/a

Trailing P/E31.8

P25 n/aP50 n/aP75 n/a

ROE241.2

P25 n/aP50 n/aP75 n/a

ROIC93.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All MA indicators

Market & fundamental data

Available fields

292

Groups with data

Currency

USD

Showing 292 of 292 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001141391
Company name	Mastercard Incorporated
Country	United States
Country code	US
CUSIP number	57636Q104
Earnings date	2026-10-29
Earnings time	bmo
Employees	39,800
Employees change	4,500
Employees growth	12.75%
Enterprise value	$547.7B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1966
In index	SP500
Industry	Credit Services
IPO date	2006-05-25
Is primary listing	Yes
Is SPAC	No
ISIN number	US57636Q1040
Last 10-K release date	2026-02-11
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2014-01-22
Last stock split type	Forward
Market cap	$534.8B
Market cap category	Mega-Cap
Next earnings date	2026-10-29
Options	Yes
Price	$610.55
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-28
Symbol	MA
U.S. state	New York
Website	https://www.mastercard.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	32.51x
Average P/E ratio (10Y)	37.32x
Average P/E ratio (3Y)	34.86x
Average P/E ratio (5Y)	35.19x
Earnings yield	2.98%
EV/Earnings	33.82x
EV/EBIT	26.18x
EV/EBITDA	24.77x
EV/FCF	32.92x
EV/Sales	15.67x
FCF / EV yield	3.04%
FCF yield	3.11%
Forward EV/Sales	13.93x
Forward P/E	28.78x
Forward P/S	13.6x
Graham number	51.15631
Graham upside	-91.65%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$322.15
Lynch upside	-47.45%
P/(FCF - SBC) ratio	33.38x
P/(OCF - SBC) ratio	31.92x
P/B ratio	95.34x
P/E ratio	33.58x
P/FCF ratio	32.15x
P/OCF ratio	30.8x
P/S ratio	15.31x
PEG ratio	1.72x
Price/EBITDA ratio	24.19x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	59.88%
EBITDA margin	63.28%
Effective tax rate	19.41%
FCF margin	47.61%
Gross margin	100%
Operating margin	59.88%
Pretax margin	57.5%
Profit margin	46.34%
Profit per employee	$408,467
Profitable quarters	71
Profitable years	17
Revenue per employee	$881,482
ROA	24.06%
ROA (5Y)	21.52%
ROCE	64.26%
ROE	241.2%
ROE (5Y)	167.33%
ROIC	93.78%
ROIC (5Y)	83.68%
SBC / revenue	1.75%
Tax / revenue	11.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	22.61%
EPS growth (Q)	22.11%
EPS growth (QoQ)	14.25%
EPS growth 10Y	18.22%
EPS growth 3Y	19.45%
EPS growth 5Y	20.36%
EPS growth quarters	13
EPS growth years	5
FCF growth	0.91%
FCF growth (Q)	-23.69%
FCF growth (QoQ)	22.39%
FCF growth 3Y	14.45%
FCF growth 5Y	17.83%
Gross profit growth	16.01%
Gross profit growth (Q)	14.07%
Gross profit growth 3Y	14.14%
Gross profit growth 5Y	16.09%
Net income growth	19.66%
Net income growth (Q)	18.56%
Net income growth (QoQ)	13.03%
Net income growth 3Y	16.7%
Net income growth 5Y	17.72%
Net income growth quarters	13
Net income growth years	5
OCF growth	2.86%
OCF growth (Q)	-18.03%
OCF growth (QoQ)	25.81%
OCF growth 10Y	14.69%
OCF growth 3Y	14.64%
OCF growth 5Y	17.95%
Operating income growth	18.27%
Operating income growth (Q)	16.33%
Operating income growth 3Y	15.94%
Operating income growth 5Y	18.95%
Revenue growth	16.01%
Revenue growth (Q)	14.07%
Revenue growth (QoQ)	10.47%
Revenue growth 10Y	13.16%
Revenue growth 3Y	14.14%
Revenue growth 5Y	16.09%
Revenue growth quarters	22
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-735M
Depreciation and amortization	$1.2B
EBIT	$21B
EBITDA	$22.2B
EPS	$18.18
FCF per share	$19.07
Financing cash flow	$-13.2B
Free cash flow	$16.7B
Free cash flow minus SBC	$16.1B
Gross profit	$35.1B
Income taxes	$3.9B
Investing cash flow	$-1.7B
Net borrowing	$5.7B
Net cash flow	$2.4B
Net income	$16.3B
Operating cash flow minus SBC	$16.8B
Operating income	$21B
Revenue	$35.1B
Stock-based compensation	$615M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.65
Book value per share	$6.40
Debt / EBITDA	1.11
Debt / equity	4.4
Debt / FCF	1.48
Goodwill	$9.5B
Interest coverage	28.08
Long-term assets	$31.2B
Long-term liabilities	$27.1B
Net cash (debt)	$-12.9B
Net cash / market cap	-2.4%
Net debt / EBITDA	0.58
Net debt / equity	2.3
Net debt / FCF	0.77
Piotroski F-Score	4
Property, plant and equipment	$2.5B
Shareholders' equity	$5.6B
Tangible book value	$-9.4B
Tangible book value per share	$-10.66
Total assets	$57.7B
Total cash	$11.6B
Total debt	$24.6B
Total liabilities	$52.1B
WACC	8.17%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.64
Current assets	$26.5B
Current liabilities	$25B
Current ratio	1.06
Net working capital	$-7.6B
Quick ratio	0.67
Working capital	$1.5B
Working capital turnover	15.16

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.35%
Dividend growth	14.47%
Dividend growth (10Y)	16.43%
Dividend growth (3Y)	15.14%
Dividend growth (5Y)	14.61%
Dividend growth years	14
Dividend payment date	2026-11-09
Dividend payment years	21
Dividend payout frequency	Quarterly
Dividend per share	$3.48
Dividend yield	0.57%
Ex-dividend date	2026-10-09
FCF payout ratio	18.25%
Last dividend	$0.87
Payout ratio	19.14%
Shareholder yield	2.91%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	492.44%
10Y return CAGR	20.18%
10Y total return	528.11%
150-day SMA	$538.89
15Y price change	1,657.9%
15Y return CAGR	21.75%
15Y total return	1,814.8%
1D price change	0.11%
1M price change	8.13%
1M total return	8.29%
1W price change	-1.07%
1W total return	-1.07%
1Y price change	7.24%
1Y return CAGR	7.93%
1Y total return	7.92%
20-day SMA	$597.88
200-day SMA	$534.84
20Y price change	8,349.48%
20Y return CAGR	25.47%
20Y total return	9,245.8%
3M price change	11.25%
3M total return	11.42%
3Y price change	68.58%
3Y return CAGR	19.72%
3Y total return	71.63%
50-day SMA	$584.28
50-day SMA vs 200-day SMA	50over200
52-week high	$633.30
52-week high date	2026-10-22
52-week low	$464.52
52-week low date	2026-06-03
5Y price change	82.82%
5Y return CAGR	13.5%
5Y total return	88.36%
6M price change	21.2%
6M total return	21.58%
All-time high	$633.30
All-time high date	2026-10-22
All-time low	$4.02
All-time low date	2006-05-25
Average true range (ATR)	$10.20
Average volume	2.9M
Beta (1Y)	0.46
Beta (2Y)	0.76
Beta (5Y)	0.76
Change from 52-week high	-3.59%
Change from 52-week low	31.44%
Change from all-time high	-3.08%
Change from all-time low	15,167.91%
Change from open	0.75%
Day's gap	-0.63%
Dollar volume	$1.6B
High price	$616.40
Low price	$606.02
Monthly RSI	63.15
Open price	$606.02
Position in 52-week range	43.64%
Premarket change	-0.01%
Premarket close	$609.85
Premarket price	$609.78
Premarket volume	9.5K
Previous close	$609.85
Price vs 150-day SMA	13.89%
Price vs 20-day SMA	2.66%
Price vs 200-day SMA	14.76%
Price vs 50-day SMA	5.05%
Relative volume	0.89
RSI	60.91
Sharpe ratio	0.27
Sharpe ratio (3Y)	0.7
Sharpe ratio (5Y)	0.43
Sortino ratio	0.65
Sortino ratio (3Y)	1.26
Sortino ratio (5Y)	0.86
Volume	2.6M
Weekly RSI	64.76
YTD price change	7.51%
YTD total return	8.2%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	868.3M
Float percentage	99.13%
Shares change (QoQ)	-1.12%
Shares change (YoY)	-2.35%
Shares held by insiders	0.03%
Shares held by institutions	89.33%
Shares outstanding	876M
Short % of float	0.73%
Short % of shares	0.73%
Short ratio	2.3 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	466

Deeper analysis on MA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Quote this valuation with its source: Fair value, Potential value and the price at analysis.

Frequently asked questions

About this MA report

What is the latest published MA stock rating?

Mastercard Incorporated is shown with Hold in the latest published report, analyzed 2026-09-08. The hub links directly to the full analysis surface where the dated rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full MA analysis?

The full latest published report, analyzed 2026-09-08, lives at /stocks/MA/analysis. The bare ticker page summarizes that read and links to each analysis tab; earlier editions remain under /analysis/archive.

What fair value is used for MA?

The latest published report analyzed 2026-09-08 gives MA a fair value of USD 622 and a potential value of USD 782. These are dated research outputs, not live market prices; review the valuation assumptions, sensitivity analysis, and material risks before making a decision.

How often is the MA page updated?

The hub selects the latest published stock report regardless of age and displays its analysis date (2026-09-08). Separately sourced market data is labeled with its own recorded timestamp and is never inferred from the report.

HoldMA · Fair value $622+7.3%

Read full analysis →

Mastercard Incorporated (MA)

Our latest published analysis: MA rated Hold

Price

Financial snapshot

Fair-value bridge

Latest news · MA

Valuation

Profitability

Balance sheet

Trading

Base and Bull scenarios

Sensitivity: Ke × terminal growth

Scorecard

Next earnings

Sector percentile context

All MA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on MA

Frequently asked questions

История рейтингов

Category	Score	Reading
Valuation	6.0
Management	8.5
Balance Sheet	3.5
Profitability	8.5
Revenue Growth	6.0
Risk Assessment	5.0
Competitive Moat	6.0
Earnings Quality	7.5
Capital Efficiency	8.5